2021.12.08 09:04 jpgrassi Considering changing to accumulating fund - opinions/help
Hello all, I'm sorry for posting in English. My German is not great and Google translate is even worse so I hope you spare me. You can answer in German if you want :)
I live in Austria and have my depot in Flatex for 3 years now (Sparplan). I invest in "common" ETFs: ISHARES CORE MSCI WORLD (IE00B4L5Y983) and ISHARES CORE MSCI EM IMI (IE00BKM4GZ66) in more or less 80/20 distribution. They are both accumulating.
Before I started, I read a lot about the the pros and cons of accumulating vs distributing. I decided to go with accumulating at the time due to the "slight" tax advantage.
One concern I had was that for accumulating, I need to pay the tax every year for the "distributing-like income" when the fund reports to OeKB. I was concerned that at some point I will need to have substantial amount of "pocket" money to pay for these taxes.
So far it has been minimum.. but this year I got to pay almost 100 euros for taxes and it got me thinking again if this is the correct way to go.
I did some math (calculating using the data from OeKB) and TODAY if I had 5k shares of the ISHARES CORE MSCI WORLD ETF I would have to pay 1.143 euros of tax.
I know, 1k isn't enough, but I it's money that I have to have prepared to pay. As time passes, this can only increase and I wonder if it makes sense. Another point is that I have to take care of rebalancing and all that.
With all that said, I'm thinking if it makes more sense to invest in a distributing ETF, such as the Vanguard FTSE All-World UCITS ETF Distributing (IE00B3RBWM25). This will make things much easier + I think Flatex even auto-invest the distribution you get under certain amount, fee-free. Also, no need to worry about re-balancing.
I read that distributing ETFs also can incur "distributing-like" income but is that something common?
If I decide to switch, what you think should I do? Keep the ETFs I have and start from 0 on the Vanguard one, or sell everything and put all the money in the new? I never sold my shares so this will be all new to me.
Thanks in advance! I learn a lot from this sub :)
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2021.12.08 09:04 TheGuvnor247 Studies suggest Pfizer shot may protect only partially against Omicron
2021.12.08 09:04 somnum_osseus Making a meme from every line in Shrek (2001) Day 102
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2021.12.08 09:04 griffinisonreddit The thumbnails always keep me from watching when my parents are around
2021.12.08 09:04 Jedibeeftrix Wheel of Time Graphic Novel - Chance for Book2 and beyond now the franchise has a higher profile?
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2021.12.08 09:04 SeaFeeling7363 Attack on JEE
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2021.12.08 09:04 grelays Gravis.Finance Announcement For Public
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2021.12.08 09:04 ombresaco Esperanto Self-Taught with Phonetic Pronunciation, Volume 1 by William W. Mann | Full Audio Book
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2021.12.08 09:04 shastas Good luck Wednesday
2021.12.08 09:04 Fyrstiken Prank him John
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2021.12.08 09:04 GTSBot [GTS] Anon is a wizard
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2021.12.08 09:04 welpyeeat Tucker Carlson defends Putin over Ukraine troop movements, saying he ‘just wants to keep his border safe’
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2021.12.08 09:04 whiskey8888 without any comment
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2021.12.08 09:04 Lumpy_Welcome_1809 #haryanavi #delhi #corruption #free #SantRampalJiMaharaj कन्या भ्रूण हत्या व दहेज प्रथा को रोकना संत रामपाल जी महाराज जी की दहेज मुक्त मुहिम के तहत अब कोई बेटी बोझ नहीं रहेगी। उनके अनुयाई 17 मिनट की गुरु वाणी द्वारा दहेज मुक्त विवाह करते हैं जिसे रमैणी कहते हैं। इस प्रकार संत रामपाल जी महाराज जी दहे
|submitted by Lumpy_Welcome_1809 to SaintRampalJi [link] [comments]|
2021.12.08 09:04 B1ZZLEKICKS HELP ME
The ogre encounter in the new dungeon feels very similar to an old encounter in a different activity, and I CANNOT work out which one it was.
I think it was on EDZ/Cosmodrome and you had to kill fallen and collect the motes they dropped, and then use them to take down the shield of a Fallen WalkeTank… couldn’t tell you if it was a strike/raid/PE etc but definitely remember something similar
Anyone else remember this or am I just playing too much Destiny and melting my mind 😂
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2021.12.08 09:04 svanapps Web3, NFTs could drive India’s GDP to $1.1 trillion: CrossTower Research
|submitted by svanapps to CryptoToFuture [link] [comments]|
2021.12.08 09:04 adifbbk1 Support to change audio language
I have been using video Chromecast feature to Chromecast movies, but I cannot change it's audio language and subtitles. It would be good if you add this feature no other app does.
submitted by adifbbk1 to NeatBytes [link] [comments]
2021.12.08 09:04 naoko-watanabi Waiting for sunday
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2021.12.08 09:04 Aerrykhehra Defender
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2021.12.08 09:04 AdministrativeMud526 [H] cheap global accounts with (LR gogeta+3 LRs + new DBH cards + new teq kefla + stones) [LF] paypal only
submitted by AdministrativeMud526 to DBZDokkanMarketplace [link] [comments]
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2021.12.08 09:04 Arquendil LF: Minun, Castform, Dunsparce
2021.12.08 09:04 Kramly Is it safe to run T300RS FFB higher than 75%?
I've been sim-racing for a month, mostly in iRacing. I've forced fan mode on and FFB at 75% since day 1. 75% seems to be the magic number for those who've had this wheel for 4+years without issues.
Though, I'm curious to know whether is it safe to push it a little further, say 85~90%? Has anyone tried doing it for a year or two? Any thoughts?
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2021.12.08 09:04 forgotTolookUp Stocking up when you find "the one?"
Joined the program last month and have been experimenting with different LLR cartridges.
Last week I picked up Cresco 707 Headband and it has been absolutely amazing for me. I take 2-3 big hits a couple hours before bed and it's just bliss until I'm ready to sleep.
But I noticed that stock changes regularly at dispensaries and im worried that it will be a while before I see it again once sold out.
With this being said should I go in and buy 2-3 more Carts to store away since I found something that is working so great for me?
Does anyone else do this? Am I even allowed?
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